Outline of changes made:

Inpatient Newborn Care: The modification document clarifies that the deductible is waived for physician charges only. All other services are subject to the calendar year deductible as outlined in the Summary Plan Description.

Postpartum Home Visit: The modification document clarifies the Postpartum Home Visit benefit. This language was unintentionally absent in this section of the Summary Plan Description. Although, benefits have always been administered accordingly.